RBC AVION VISA INFINITE PRIVILEGE CERTIFICATE OF INSURANCE

Transcription

1 RBC AVION VISA INFINITE PRIVILEGE CERTIFICATE OF INSURANCE Out of Provice/Coutry Emergecy Medical Isurace... 1 Travel Accidet Isurace Auto Retal Collisio/Loss Damage Isurace Trip Cacellatio/Trip Iterruptio Isurace Emergecy Purchases ad Flight Delay Isurace Hotel/Motel Burglary Isurace Lost or Stole Baggage Isurace Purchase Security & Exteded Warraty Isurace Collectio ad Use of Persoal Iformatio IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel.

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3 OUT OF PROVINCE/ COUNTRY EMERGENCY MEDICAL INSURANCE CERTIFICATE OF INSURANCE INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy U A to Royal Bak of Caada ( Royal Bak ) to cover emergecy medical expeses icurred by covered persos while outside their Caadia provice or territory of residece. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. WHAT SHOULD YOU DO IN A MEDICAL EMERGENCY? If you have a medical emergecy, you must call Assured Assistace Ic. ( Assured Assistace ) before you receive emergecy treatmet. Of course, if your medical coditio prevets you from callig, we uderstad you must call as soo as medically possible or, as a alterative, someoe else may call o your behalf (relative, fried, urse or doctor). If you do ot call Assured Assistace or if you choose to seek care from a o-approved medical service provider, you will be resposible for a portio of your medical expeses as outlied uder Limitatios of coverage. Assured Assistace ca be cotacted by callig: toll-free from the US & Caada or collect from aywhere i the world. IMPORTANT NOTICE PLEASE READ CAREFULLY Travel isurace is desiged to cover losses arisig from sudde ad uforeseeable circumstaces. It is importat that you read ad uderstad your isurace before you travel as your coverage may be subject to certai limitatios or exclusios. A pre-existig exclusio applies to medical coditios ad/or symptoms that existed prior to your trip. Check to see how this applies i your Certificate of Isurace ad how it relates to your departure date, date of purchase, or effective date. I the evet of a accidet, ijury or sickess, your prior medical history may be reviewed whe a claim is reported. Your isurace provides travel assistace. You are required to otify Assured Assistace prior to receivig emergecy treatmet. Your isurace limits beefits should you ot cotact Assured Assistace immediately. HELPFUL INFORMATION ABOUT OUT OF PROVINCE/ COUNTRY EMERGENCY MEDICAL INSURANCE Coverage is provided for the first thirty-oe (31) cosecutive days of your trip if you are uder 65 years of age, or for the first seve (7) cosecutive days of your trip if you are 65 years of age or older. Top-up coverage is available if you are travellig for more tha thirty-oe (31) cosecutive days ad you are uder 65 years of age or if you are travellig for more tha seve (7) cosecutive days ad you are 65 years of age or older. Please call the Erollmet Cetre at for further iformatio. Remember to call Assured Assistace before you receive emergecy treatmet. Of course, if your medical coditio prevets you from callig, we uderstad you must call as soo as medically possible or, as a alterative, someoe else may call o your behalf (relative, fried, urse or doctor). 1

4 Refer to the What is ot covered? sectio for a complete descriptio of all exclusios before you travel. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Avio Visa Ifiite Privilege card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Avio Visa Ifiite Privilege card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Chage i medicatio meas the additio of ay ew prescriptio drug, the withdrawal of ay prescriptio drug, a icrease i the dose of ay prescriptio drug, or a decrease i the dose of ay prescriptio drug. Exceptios: a adjustmet i the dosage of isuli or Coumadi (warfari), if you are curretly takig these drugs; a chage from a brad ame drug to a equivalet geeric drug of the same dosage. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Avio Visa Ifiite Privilege card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas ay of the followig persos who have a valid govermet health isurace pla: the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. A covered perso may be referred to as you or your or yourself. The spouse ad/or depedet child of a additioal cardholder are ot eligible for this isurace, uless they are otherwise covered as described above (the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip). Departure poit meas the provice or territory you depart from o the first day of your iteded trip. Depedet child (or depedet childre) meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who is covered uder a govermet health isurace pla ad is: uder twety-oe (21) years of age, or uder twety-six (26) years of age if a full-time studet, or metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Emergecy treatmet meas ay treatmet, surgery or medicatio that: is required for the immediate relief of a acute symptom; or upo the advice of a physicia caot be delayed util you retur to Caada, ad has to be received durig your trip because your medical coditio prevets you from returig to Caada. The emergecy treatmet must be ordered by or received from a physicia or received i a hospital durig your trip. Govermet health isurace pla meas the health isurace coverage that Caadia provicial ad territorial govermets provide for their residets. 2

5 Hospital meas a establishmet that is licesed as a accredited hospital, is operated for the care ad treatmet of i-patiets, has a registered urse always o duty, ad has a laboratory ad a operatig room o the premises or i facilities cotrolled by the establishmet. Hospital does ot mea ay establishmet used maily as a cliic, exteded or palliative care facility, rehabilitatio facility, covalescet, rest or ursig home, home for the aged, health spa or addictio treatmet cetre. Medical coditio meas accidetal bodily ijury or sickess (or a coditio related to that accidetal bodily ijury or sickess), icludig disease, acute psychoses ad complicatios of pregacy occurrig withi the first thirty-oe (31) weeks of pregacy. Medical emergecy meas ay uexpected or uforesee sickess or bodily ijury that occurs durig the period of coverage ad makes it ecessary for you to receive immediate treatmet from a physicia or to be hospitalized. Metal or emotioal disorders meas emotioal or axiety states, situatioal crisis, axiety or paic attacks, or other metal health disorders treated with mior traquilizers or ati-axiety (axiolytic) medicatio. Moutai climbig meas the ascet or descet of a moutai requirig the use of specialized equipmet, icludig crampos, pick-axes, achors, bolts, carabiers ad lead-rope or toprope achorig equipmet. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Physicia meas someoe who is ot you or a member of your family who is licesed to prescribe drugs ad admiister medical treatmet (withi the scope of such licese) at the locatio where the treatmet is provided. A physicia does ot iclude a aturopath, herbalist, homeopath or chiropractor. Prescriptio drugs meas drugs ad medicies that ca oly be issued upo the prescriptio of a physicia or detist ad are dispesed by a licesed pharmacist. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. Stable meas ay medical coditio or related coditio (icludig ay heart coditio or ay lug coditio) for which there have bee: o ew treatmet, ew medical maagemet or ew prescribed medicatio; ad o chage i treatmet, chage i medical maagemet or chage i medicatio; ad o ew symptom or fidig, more frequet symptom or fidig, or more severe symptom or fidig experieced; ad o ew test results or tests showig a deterioratio; ad o ivestigatios or future ivestigatios iitiated, or recommeded for your symptoms; ad o hospitalizatio or referral to a specialist (made or recommeded), Top-up meas the coverage you purchase from the Erollmet Cetre to exted your coverage beyod the maximum duratio of the first thirty-oe (31) cosecutive days if you are uder 65 years of age or the first seve (7) cosecutive days if you are 65 years of age or older. Trip meas travel outside your Caadia provice or territory of residece up to a maximum duratio of the first thirty-oe (31) cosecutive days if you are uder the age of 65 or seve (7) cosecutive days if you are 65 years of age or older. 3

6 WHEN DOES COVERAGE BEGIN AND END? This isurace coverage begis wheever you leave your departure poit. You will be covered for the first: Thirty-oe (31) cosecutive days of a trip, icludig the date you leave o your trip ad the date you retur from your trip, if you are uder 65 years of age. Seve (7) cosecutive days of a trip, icludig the date you leave o your trip ad the date you retur from your trip, if you are 65 years of age or older. Coverage eds, idividually for the applicat ad each additioal cardholder, at the earliest of: 1. The date you have bee abset for more tha thirty-oe (31) cosecutive days from your provice or territory of residece if you are uder 65 years of age or the date you have bee abset for more tha seve (7) cosecutive days from your provice or territory of residece if you are 65 years of age or older; (Note: Coverage for the applicat s spouse ad the applicat s depedet child chages to seve (7) cosecutive days whe the applicat turs the age of 65, uless they are also a additioal cardholder); or 2. The date you retur to your provice or territory of residece; or 3. The date your RBC Avio Visa Ifiite Privilege accout is cacelled; or 4. The date your RBC Avio Visa Ifiite Privilege accout is sixty (60) days past due; or 5. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Avio Visa Ifiite Privilege card prior to the cacellatio date of the group isurace policy. WHEN DOES YOUR COVERAGE AUTOMATICALLY EXTEND? Coverage automatically exteds beyod the thirty-oe (31) /seve (7)-day limit as follows: 1. Whe you are hospitalized due to a medical emergecy beyod the thirty-oe (31) /seve (7)-day limit, your coverage will remai i force durig your hospitalizatio ad up to five (5) days followig your discharge from hospital. 2. Coverage is automatically exteded for up to five (5) days whe you must delay your retur beyod the thirty-oe (31) /seve (7)-day limit due to a medical emergecy. 3. Coverage is automatically exteded for up to sevety-two (72) hours whe the delay of a plae, bus, ship or trai i which you are a passeger causes your trip to exted beyod the thirty-oe (31) /seve (7)-day limit. WHAT IS COVERED AND WHAT ARE THE BENEFITS? This isurace covers reasoable ad customary expeses, i excess of ay medical expeses payable by your govermet health isurace pla or ay other isurace pla, for emergecy treatmet medically required durig your trip as a result of a medical emergecy. Uless otherwise oted i this Certificate of Isurace, the maximum beefit for Emergecy medical isurace is ulimited. 1. Hospital ad medical expeses Covers the cost of emergecy treatmets, icludig hospital, surgical ad medical treatmet. Eligible expeses iclude the followig whe ordered by a physicia durig your trip: hospital room ad board, up to semi-private or the equivalet, treatmet by a physicia ad/or surgeo, out-patiet hospital charges, x-rays ad other diagostic tests, use of a operatig room, itesive care uit, aaesthesia ad surgical dressigs, prescriptio drugs except whe you eed them to cotiue to stabilize a chroic medical coditio or a coditio which you had before your trip, 4

7 local groud ambulace service (or local taxi fare i lieu) to a hospital, physicia or medical service provider i case of a medical emergecy, the lesser of the retal or purchase of a hospital-type bed, a wheelchair, brace, crutches ad other medical appliaces, ad the cost for the professioal services of a registered private urse while you are hospitalized, to a maximum of $10,000, whe these services are recommeded by a physicia ad approved i advace through Assured Assistace. 2. Emergecy detal expeses Covers the cost of the followig detal expeses whe ordered by ad received from a licesed detist: the repair or replacemet of atural teeth or permaetly attached artificial teeth required as the result of a accidetal ijury to the mouth durig your trip, to a maximum of $2,000. Detal treatmet must be received withi iety (90) days of the ijury. treatmet durig your trip, for the emergecy relief of detal pai, to a maximum of $ Other emergecy services Covers the cost for professioal services of a physiotherapist, chiropractor, osteopath, chiropodist or podiatrist to a maximum of $250 per covered perso per professio, whe ordered by a physicia durig your trip. 4. Emergecy air trasportatio or evacuatio Covers the cost of the followig, whe medically required ad approved i advace ad arraged through Assured Assistace: the extra cost of oe-way ecoomy airfare o a commercial flight by the most direct route to the poit of departure, to receive immediate emergecy medical attetio; or a stretcher fare o a commercial flight by the most direct route to your departure poit, if a stretcher is medically ecessary; ad retur ecoomy airfare o a commercial flight ad the usual fees ad expeses for a qualified medical attedat to accompay you, whe the attedat is medically ecessary or required by the airlie; or air ambulace trasportatio if it is medically essetial. 5. Retur of deceased Covers: the retur of your remais i the commo carrier s stadard trasportatio cotaier to your departure poit, ad up to $5,000 for the preparatio of your remais ad the cost of the commo carrier s stadard trasportatio cotaier; or the retur of your remais to your departure poit, ad up to $5,000 for the crematio of your remais where your death occurred; or up to $5,000 for the preparatio of your remais ad the cost of a stadard burial cotaier, ad up to $5,000 for the burial of your remais where your death occurred. If someoe is legally required to idetify your remais, this isurace covers the cost of roud-trip ecoomy class trasportatio by the most cost-effective route ad up to $300 for meal ad hotel accommodatio expeses for that perso. That perso is covered uder the terms of your isurace durig the period i which he or she is required to idetify your remais but for o loger tha three (3) busiess days. 6. Additioal hotel ad meal expeses Covers the cost of up to $150 per day, to a maximum of $1,500, for meal ad commercial accommodatio expeses you have icurred after the date you are scheduled to retur to the departure poit, whe your retur is delayed due to your medical emergecy or whe you are relocated to receive emergecy treatmet. 5

8 7. Brigig relative to bedside Covers the cost of roud-trip ecoomy class trasportatio by the most cost-effective route, to have a relative visit you whe you are hospitalized durig your trip. However, if you are uder age twety-oe (21), or age twety-oe (21) ad over ad physically hadicapped ad depedet o your bedside compaio for support, this isurace provides this beefit to you as soo as you are admitted to a hospital. That perso is etitled to a maximum of $300 for meal ad hotel accommodatio expeses ad is covered uder the terms of your isurace durig the period i which he or she is required at your bedside. The visit must be approved i advace through Assured Assistace. 8. Retur of vehicle Covers the reasoable costs for a commercial agecy, whe arraged ad approved through Assured Assistace, to retur a vehicle to your residece or to a commercial retal agecy, whe you are uable to retur the vehicle due to a medical emergecy. The vehicle ca be a private passeger automobile, self-propelled mobile home, camper truck, trailer home, or motorcycle that you ow or ret ad which you use durig your trip. 9. Retur of depedet child or depedet childre If a depedet child or depedet childre isured uder your isurace travel with or joi you durig your trip, ad you are hospitalized for more tha twety-four (24) hours, or you must retur to Caada because of your medical emergecy covered uder this isurace, this isurace covers, whe arraged ad approved through Assured Assistace, the extra cost of oe-way ecoomy trasportatio by the most cost-effective route to the depedet childre s departure poit ad the cost of retur ecoomy trasportatio for a escort, whe a escort is deemed ecessary by the carrier. 10 Retur of your excess baggage If you retur to your departure poit by air ambulace (pre-authorized by Assured Assistace) because of your medical emergecy, this isurace covers the cost to retur your excess baggage up to a maximum of $500, whe medically required ad approved i advace ad arraged through Assured Assistace. LIMITATIONS OF COVERAGE If you do ot call Assured Assistace before you seek emergecy treatmet, or if you choose to seek care from a o-approved medical service provider, you will be resposible for 20% of your medical expeses covered uder this isurace ad ot recovered from your govermet health isurace pla, to a maximum of $25,000. If, after reimbursemet by your govermet health isurace pla, your claim exceeds $25,000, this isurace will pay 100% of ay covered expeses over ad above $25,000. Should your medical coditio prevet you from callig Assured Assistace before seekig emergecy treatmet, you must call as soo as medically possible or someoe else may call o your behalf. WHAT IS NOT COVERED? PRE-EXISTING MEDICAL CONDITION EXCLUSIONS If you are uder 75 years of age, this isurace does ot pay for ay expeses icurred directly or idirectly as a result of: 1. Your medical coditio or related coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip, your medical coditio or related coditio has ot bee stable. 2. Your heart coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip: a. ay heart coditio has ot bee stable; or b. you have take itroglyceri more tha oce per week specifically for the relief of agia pai. 6

9 3. Your lug coditio (whether or ot the diagosis has bee determied), if at ay time i the iety (90) days before you depart o your trip: a. ay lug coditio has ot bee stable; or b. you have bee treated with home oxyge or take oral steroids (predisoe or predisoloe) for ay lug coditio. If you are 75 years of age or older, this isurace does ot pay for ay expeses icurred directly or idirectly as a result of: 1. Your medical coditio or related coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip, your medical coditio or related coditio has ot bee stable. 2. Your heart coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip: a. ay heart coditio has ot bee stable; or b. you have take itroglyceri more tha oce per week specifically for the relief of agia pai. 3. Your lug coditio (whether or ot the diagosis has bee determied), if at ay time i the oe hudred ad eighty (180) days before you depart o your trip: a. ay lug coditio has ot bee stable; or b. you have bee treated with home oxyge or take oral steroids (predisoe or predisoloe) for ay lug coditio. GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Ay medical coditio for which: you are awaitig the outcome of medical tests, the results of which show ay irregularities or abormalities, or future ivestigatio or treatmet (except routie moitorig) is plaed before your trip. 2. The cotiued treatmet, ivestigatio, recurrece or complicatio of a medical coditio followig emergecy treatmet for that medical coditio durig your trip if the medical advisors of Assured Assistace determie that you were medically able to retur to your provice or territory of residece ad you chose ot to retur. 3. The treatmet of ay heart or lug coditio followig emergecy treatmet for a related or urelated heart or lug coditio durig your trip if the medical advisors of Assured Assistace determie that you were medically able to retur to your provice or territory of residece ad you chose ot to retur. 4. Ay treatmet that is ot emergecy treatmet. 5. Routie care of a chroic coditio. 6. Ay medical coditio for which it was reasoable, prior to departure, to expect treatmet or hospitalizatio durig your trip. 7. Symptoms which would have caused a ordiarily prudet perso to seek treatmet or medicatio i the iety (90) days before your trip. 8. Your medical emergecy or related medical coditio, if the reaso for your medical emergecy or related medical coditio is associated i ay way with a writte formal travel warig issued before your effective date by the Departmet of Foreig Affairs ad Iteratioal Trade of the Caadia Govermet, advisig Caadias ot to travel to the coutry, regio or city of your trip. 9. Ay portio of the beefits that require prior authorizatio ad arragemet by Assured Assistace if such beefits were ot pre-authorized ad arraged by Assured Assistace. 10. Ivasive testig or surgery (icludig cardiac catheterizatio ad MRI) uless approved by Assured Assistace prior to beig performed. 7

10 11. Ay medical coditio if you udertake your trip with the prior kowledge that you will require or seek treatmet, surgery, ivestigatios, palliative care or alterative therapy of ay kid, regardless of whether the treatmet, surgery, ivestigatios, palliative care or alterative therapy is related i ay way to the medical coditio. 12. The followig: a. routie pre-atal care, or b. complicatios of pregacy occurrig withi ie (9) weeks before or after the expected date of delivery, or c. complicatios of childbirth occurrig withi ie (9) weeks before or after the expected date of delivery. 13. Ay child bor durig the trip. 14. Your participatio as a professioal i sports, participatio as a professioal i uderwater activities, scuba divig as a amateur uless you hold a basic scuba desigatio from a certified school or other licesig body, participatio i a motorized race or motorized speed cotest, bugee jumpig, parachutig, rock climbig, moutai climbig, hagglidig or skydivig. 15. Your committig or attemptig to commit a crimial offece. 16. Your itetioal self-iflicted ijury, suicide or attempted suicide (whether sae or isae). 17. Your metal or emotioal disorders. 18. Ay medical coditio, arisig from, or i ay way related to, your chroic use of alcohol or drugs whether prior to or durig your trip. 19. Your abuse of medicatio, drugs or alcohol or deliberate o-compliace with prescribed medical therapy or treatmet whether prior to or durig your trip. 20. Act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 21. Treatmet or surgery for a medical coditio, or a related coditio, which had caused your physicia to advise you ot to travel. 22. Ay medical coditio if the medical advisors of Assured Assistace recommed that you retur to your coutry of residece followig emergecy treatmet you have received, ad you chose ot to retur. 23. Ioizig radiatio or radioactive cotamiatio from ay uclear fuel or waste that results from the burig of uclear fuels; or the radioactive, toxic, explosive or other dagerous properties of uclear machiery or ay part of it. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the medical emergecy as show uder What should you do i a medical emergecy? you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date emergecy treatmet or other expeses were first icurred. For your claim to be reviewed, you must submit the followig iformatio: The completed claim form. Please cotact the Claims Cetre to obtai a claim form. (Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada.), Origials of all bills, ivoices ad receipts from the service provider(s), Ay required govermet health isurace pla form, Proof of ay paymet(s) or deial(s) made by other isurace pla(s), ad A complete diagosis from the physicia(s) ad/or hospital(s) that provided the treatmet, icludig, where applicable, writte verificatio from the physicia who treated you durig your trip that the expeses were medically ecessary. 8

11 Submissio of claims must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y You must submit the iformatio required for your claim withi iety (90) days of the date of the emergecy treatmet or other expeses were first icurred. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year or your claim will ot be reviewed. The Claims Cetre will otify you of the decisio o your claim withi sixty (60) days of receivig all of the required iformatio. OTHER CLAIM INFORMATION Durig the processig of a claim, the Isurer may require you to udergo a medical examiatio by oe or more physicias selected by the Isurer ad at the Isurer s expese. You agree that the Isurer ad its agets have: a. Your coset to verify your health card umber ad other iformatio required to process your claim, with the relevat govermet ad other authorities; b. Your authorizatio to physicias, hospitals ad other medical providers to provide to us, Assured Assistace ad the Claims Cetre, ay ad all iformatio they have regardig you, while uder observatio or treatmet, icludig your medical history, diagoses ad test results; ad c. Your agreemet to disclose ay of the iformatio available uder a) ad b) above to other sources, as may be required for the processig of your claim for beefits obtaiable from other sources. After the Isurer pays your health care provider or reimburses you for covered expeses, it will seek reimbursemet from your govermet health isurace pla ad ay other medical isurace pla uder which you may have coverage. You may ot claim or receive i total more tha 100% of your total covered expeses or the actual expeses which you icurred, ad you must repay to us ay amout paid or authorized by the Isurer o your behalf if ad whe the Isurer determies that the amout was ot payable uder the terms of your policy. If you are retired ad your former employer provides to you uder a exteded health isurace pla, a lifetime maximum coverage of: $50,000 or less, we will ot co-ordiate paymet with such coverage; more tha $50,000, we will co-ordiate paymet with such coverage oly i excess of $50,000. If you are actively employed ad your curret employer provides to you uder a group health pla, a lifetime maximum coverage of: $50,000 or less, we will ot co-ordiate paymet with such coverage; more tha $50,000, we will co-ordiate paymet with such coverage oly i excess of $50,000. You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. Whe you cotact Assured Assistace, they will, o the Isurer s behalf, refer you or may trasfer you, whe medically appropriate, to oe of their recommeded medical service 9

12 providers. They will also request that the approved medical service provider bill the medical expeses covered uder this isurace directly to the Isurer istead of to you. 3. If you are eligible, from ay other isurer, for beefits similar to the beefits provided uder this isurace, the total beefits paid to you by all isurers caot exceed the actual expese that you have icurred. We will coordiate the paymet of beefits with all isurers from whom you are eligible for beefits similar to those provided uder this isurace, to a maximum of the largest amout specified by each isurer. 4. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. Where a third party is ivolved, a accidet report is required before ay claim paymets ca be made. 5. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 6. The Isurer, Customer Service Represetatives/Coordiators of Assured Assistace ad the Claims Cetre, Royal Bak ad their agets are ot resposible for the availability, quality or results of medical treatmet or trasportatio, or your failure to obtai medical treatmet. 7. This Certificate of Isurace is the etire cotract betwee you ad the Isurer ad is subject to the Isurace Compaies Act of Caada ad ay goverig provicial statutes cocerig cotracts of accidet isurace. 8. The Isurer may, at its discretio, void this cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 9. This policy cotais a provisio removig or restrictig the right of the group perso isured to desigate persos to whom or for whose beefit isurace moey is to be payable. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. 10

13 TRAVEL ACCIDENT INSURANCE CERTIFICATE OF INSURANCE INTRODUCTION RBC Isurace Compay of Caada (the Isurer ) has issued group isurace policy F A to Royal Bak of Caada ( Royal Bak ) to cover the loss from a ijury as a result of a accidet icurred by covered persos o a commo carrier while travellig outside their Caadia provice or territory of residece. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. This Certificate of Isurace replaces ay prior Certificate of Isurace that may have bee provided to you i coectio with this coverage. HOW TO OBTAIN ASSISTANCE SERVICES If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: toll-free from the US & Caada or collect from aywhere i the world. IMPORTANT NOTICE PLEASE READ CAREFULLY Travel Accidet Isurace is desiged to cover losses arisig from sudde ad uforeseeable circumstaces. It is importat that you read ad uderstad your isurace before you travel as your coverage may be subject to certai limitatios or exclusios. HELPFUL INFORMATION The Travel Accidet Isurace covers you i the evet of a accidetal bodily ijury resultig i a loss, icludig death, while travellig o a commo carrier, for up to $500,000 CAD. Please cosult the list of specific losses covered uder the Specific loss idemity sectio herei. You are covered for trips take outside your provice or territory of residece. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Accidet meas a sudde ad uforesee evet due to a exteral cause ad resultig, directly ad idepedetly of ay other cause, i ay bodily ijury or death. Additioal cardholder meas a co-applicat or a authorized user. Alterate trasportatio meas the trasportatio offered to you whe the commo carrier providig the trasportatio for your covered trip is delayed or re-routed, requirig the trasportatio compay which would have operated such commo carrier to arrage for such alterate trasportatio. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder of a RBC credit card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC credit card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC credit card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. 11

14 Commo carrier meas ay passeger plae, lad, or water coveyace (other tha a retal vehicle or cruise ship) for regularly scheduled passeger service, which is licesed to trasport passegers for compesatio or hire ad also icludes ay alterate trasportatio. Commo carrier does ot iclude ay such coveyace that is hired, chartered or used for a sport, gamesmaship, cotest, sightseeig, observatory ad/or recreatioal activity, regardless of whether or ot such coveyace is licesed. Taxis or limousies are excluded from this defiitio except i the specific case as outlied i What is Covered sectio 2. Cotamiatio meas the poisoig of people by uclear, chemical ad/or biological substaces which causes illess ad/or death. Covered perso meas the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat ad/or the applicat s spouse o the same trip. A additioal cardholder is a covered perso i his/her ow right. The spouse ad/ or depedet child of a additioal cardholder are ot eligible for this isurace, uless they are otherwise covered as described above (the applicat, the applicat s spouse, ad/or the applicat s depedet child who travels with or jois the applicat or the applicat s spouse o the same trip). A covered perso may be referred to as you or your or yourself. All covered persos must be permaet residets of Caada. Depedet child meas a umarried, atural, adopted, step or foster child, or legal ward of the applicat who resides with the applicat ad who is: Uder twety-oe (21) years of age; or Uder twety-six (26) years of age if he/she is a full-time studet; or Metally or physically hadicapped ad icapable of self-sustaiig employmet ad totally reliat o you for support ad maiteace. Family member(s) meas your spouse, a depedet child, parets, stepparets, gradparets, gradchildre, i-laws, brothers, sisters, stepbrothers ad stepsisters. Hospital meas a establishmet that is licesed as a accredited hospital, is operated for the care ad treatmet of i-patiets, has a registered urse always o duty, ad has a laboratory ad a operatig room o the premises or i facilities cotrolled by the establishmet. Hospital does ot mea ay establishmet used maily as a cliic, exteded or palliative care facility, rehabilitatio facility, covalescet, rest or ursig home, home for the aged, health spa or addictio treatmet cetre. Ijury or Ijuries meas a bodily ijury, certified by a physicia, resultig i a loss caused to you by a accidet occurrig o a trip. Loss or losses meas loss of life or the total ad irrevocable loss of use of oe or more of the followig of limb(s)/orga(s), as follows: loss of a had or a foot meas the total ad irrevocable loss of use icludig the wrist joit ad the akle joit; with regard to eyes, total ad irrecoverable loss of sight; with regard to a leg or a arm, the total ad irrevocable loss of use through or above the kee or elbow joit; loss of a thumb ad idex figer meas the total ad irrevocable loss of use, icludig all phalages, but excludig the loss of the had or foot; with regard to speech ad hearig, total ad irrecoverable loss; loss of a figer or a toe meas the total ad irrevocable loss of use, icludig all phalages, but excludig the loss of the had or foot; with regard to paralysis (quadriplegia, paraplegia, hemiplegia), loss must result i the complete ad irreversible paralysis of such limbs. Passeger meas a covered perso ridig oboard a commo carrier. The defiitio of passeger does ot iclude a perso actig as a pilot, operator or crew member. Passeger plae a certified multi-egie trasportatio aircraft provided by a regularly scheduled airlie o ay regularly scheduled trip operated betwee licesed airports ad holdig a valid Caadia Air Trasport Board or Charter Air Carrier licece, or its foreig equivalet, ad operated by a certified pilot. 12

15 Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Physicia meas someoe who is ot you or a family member who is licesed to prescribe drugs ad admiister medical treatmet (withi the scope of such licese) at the locatio where the treatmet is provided. A physicia does ot iclude a aturopath, herbalist, homeopath or chiropractor. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad who has bee residig i the same household as you for a cotiuous period of at least oe (1) year. Terrorism or act of Terrorism meas a act, icludig but ot limited to the use of force or violece ad/or the threat thereof, icludig hijackig or kidappig, of a idividual or group i order to itimidate or terrorize ay govermet, group, associatio or the geeral public, for religious, political or ideological reasos or eds, ad does ot iclude ay act of war (whether declared or ot), act of foreig eemies or rebellio. Trip meas travel outside your Caadia provice or territory of residece o a commo carrier the fare for which is paid i full o the RBC credit card ad/or RBC Rewards poits. WHEN DOES COVERAGE BEGIN AND END? This Certificate of Isurace provides coverage wheever you have paid for your trip o a commo carrier with your RBC credit card ad/or RBC Rewards poits, prior to ay ijury resultig i ay loss for which a claim is made uder this Policy. If oly a partial paymet was made with RBC Rewards poits, the balace must have bee paid with your RBC credit card for this Certificate of Isurace to be effective. Coverage begis o the date you leave your provice or territory of residece o your trip. Coverage eds, idividually for each applicat ad additioal cardholder(s), at the earliest of: 1. The date your RBC credit card accout is cacelled; or 2. The date your RBC credit card accout is sixty (60) days past due; or 3. The date the Policy is cacelled by the Isurer or Royal Bak. However, such termiatio of coverage shall ot apply to fares charged to your accout prior to the termiatio date of the Policy; or 4. The date whe coverage is o loger i force as described i the sectio What is Covered ad What are the Beefits?. WHAT IS COVERED AND WHAT ARE THE BENEFITS? WHAT IS COVERED? Whe you have paid for the full trasportatio fare for your trip with your RBC credit card ad/ or RBC Rewards poits prior to commecig your trip, this Certificate of Isurace provides a beefit for ay ijury sustaied by you as a result of a accidet which occurs durig your trip while you are: 1. Travellig as a passeger i, o, boardig or disembarkig from the commo carrier which is providig the trasportatio or alterate trasportatio for your trip; 2. Travellig as a passeger i, o, boardig or disembarkig from the commo carrier which is providig the trasportatio or alterate trasportatio, icludig complemetary trasportatio for this situatio oly, directly to or from a termial, statio, pier or airport either: a) Immediately precedig a scheduled departure of the commo carrier durig your trip; or b) Immediately followig a scheduled arrival of the commo carrier durig your trip; 3. Travellig as a passeger i the termial, statio, pier or airport prior to or after boardig or disembarkig from a commo carrier which is providig the trasportatio or alterate trasportatio to you as a passeger. 13

16 WHAT ARE THE BENEFITS? A. SPECIFIC LOSS INDEMNITY Whe a covered perso suffers a ijury resultig i ay of the followig losses withi three hudred ad sixty-five (365) days of the date of the accidet, the Isurer will pay the followig maximum amout for: Loss of: Idemity: Life $500,000 Both hads or both feet $500,000 Total sight i both eyes $500,000 Oe had ad oe foot $500,000 Oe had or oe foot ad total sight i oe eye $500,000 Speech ad hearig $500,000 Oe leg or oe arm $375,000 Oe had or oe foot $333,300 Speech or hearig $333,300 Total sight i oe eye $333,300 Thumb ad idex figer of the same had $166,650 Oe figer or oe toe $50,000 Loss of use of: Idemity: Both upper ad lower limbs (quadriplegia) $500,000 Both lower limbs (paraplegia) $500,000 Upper ad lower limbs of oe side of the body (hemiplegia) $500,000 B. REHABILITATION Whe ijuries result i a paymet beig made uder the Specific loss idemity sectio above (Beefit A), a additioal amout would be payable to you by the Isurer as follows: The reasoable ad ecessary expeses you actually icurred, up to a limit of $2,500, for special traiig provided: a. such traiig is required because of such ijuries, ad i order for you to be qualified to egage i a occupatio i which you would ot have bee egaged except for such ijuries; ad b. expeses are icurred withi two (2) years from the date of the accidet. No paymet will be made for ordiary livig, travellig or clothig expeses. C. FAMILY TRANSPORTATION Whe you are cofied as a ipatiet i a hospital for ijuries that result i a payable loss uder the Policy ad you require the persoal attedace of a family member as recommeded by the attedig physicia, or where due to your accidetal death, the attedace of a family member is required, the Isurer will pay for the expeses icurred by the family member for trasportatio to you by the most direct route by a commo carrier, but ot to exceed a amout of $1,

17 WHAT IS NOT COVERED EXCLUSIONS The Policy does ot cover ay loss, fatal or o-fatal, caused by or related to: 1. Your itetioal self-iflicted ijuries, suicide or attempted suicide while sae or isae; 2. War (declared or ot), a act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder; 3. The commissio of a crimial act or direct or idirect attempt to commit a crimial act by you or your beeficiary, whether or ot you have bee charged; 4. Your active full-time service i the armed forces of ay coutry or participatio i ay military maoeuvre or traiig exercise; 5. Ridig oboard a commo carrier with a status other tha passeger; 6. Ay accidet arisig from, or i ay way related to, your chroic use or abuse of alcohol or drugs, icludig prescriptio or illegal drugs, or deliberate o-compliace with prescribed medical therapy or treatmet whether prior to or durig your trip; 7. Sickess or disease, eve if the cause of its activatio or reactivatio is a accidet; 8. Ioisig radiatio or radioactive cotamiatio from ay uclear fuel or waste which results from the burig of uclear fuels; or, the radioactive, toxic, explosive or other dagerous properties of uclear machiery or ay part of it; 9. Cotamiatio due to ay act of terrorism; 10. Terrorism. LIMITATIONS 1. If, as a result of a accidet, you sustai ijuries resultig i multiple losses, the maximum idemity the Isurer will pay to you for all your losses will equal the highest idemity amout for oe (1) of your losses ad will ot exceed $500, Idemity will ot be paid while you are i a coma. 3. Whe your death or loss occurs more tha fifty-two (52) weeks after the accidet, uless you are i a coma at the ed of that period; the Isurer will determie which beefits you are etitled to, if applicable, whe you regai cosciousess. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss at the followig toll-free umber: RBC Isurace Claims Ceter: The Claims Ceter will the sed you the documet(s) you will eed to fill out i order to submit a claim ad idicate to you which additioal documet(s) or iformatio is also required for your claim to be reviewed. (Please Note: a legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) for the rest of Caada.) I certai circumstaces, the Isurer may require that you fill out a coset form i order to give: a. your coset to verify your health card umber ad other iformatio required to process your claim, with the relevat govermet ad other authorities; b. your authorizatio to physicias, hospitals ad other medical providers to provide the Isurer ay ad all iformatio they have regardig you, while uder observatio or treatmet, icludig your medical history, diagoses ad test results; ad 15

18 c. your agreemet to disclose ay of the iformatio available uder a) ad b) above to other sources, as may be required for the processig of your claim for beefits obtaiable from other sources. Submissio of claims ad all required documets/iformatio must be set to: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y You must submit the iformatio required for your claim withi iety (90) days of the date of the loss. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the loss or your claim will ot be reviewed. The Claims Ceter will otify you of the decisio o your claim withi sixty (60) days of receivig all of the required iformatio. OTHER CLAIM INFORMATION EXAMINATION AND AUTOPSY The Isurer, at its ow expese, shall have the right ad opportuity to examie the perso of ay covered perso whose ijury is the basis of a claim hereuder whe ad so ofte as it may reasoably require durig pedecy of a claim hereuder, ad also the right ad opportuity to make a autopsy i case of death where it is ot forbidde by law. PAYMENT OF CLAIMS Beefits for loss of your life will be paid to your desigated beeficiary(ies) (as further described below). Beefits for all other covered losses sustaied by you will be paid to you, if livig, otherwise to your desigated beeficiary(ies). If more tha oe (1) beeficiary is desigated ad the beeficiaries respective percetage of policy distributio is ot specified, the desigated beeficiaries shall share equally. If o beeficiary has bee desigated, or if the desigated beeficiary does ot survive you, the beefits will be paid to your estate. BENEFICIARY Uder this Certificate of Isurace, you may desigate a beeficiary or chage a previously desigated beeficiary. No oe else but you may desigate or chage a previously desigated beeficiary. For such desigatio or chage to become effective, you must complete a form etitled Desigatio, Revocatio or Additio of Beeficiary(ies) ad submit it to the Isurer. You ca obtai this form at your coveiece from our website at cardsbeeficiaryform. To obtai a paper copy by mail, please call RBC Isurace Compay of Caada at toll-free from the US & Caada, or (905) collect from aywhere i the world. Such desigatio or chage shall take effect as of the date the form was siged by you, but o earlier tha Jue 1, Ay paymet made by the Isurer prior to the receipt of such desigatio or chage shall fully discharge the Isurer to the extet of such paymet. LEGAL ACTIONS No actio at law or i equity shall be brought to recover o the Policy prior to the expiratio of sixty (60) days after the writte proof of loss has bee furished i accordace with the sectio What to do if you have a claim above. No such actio shall be brought after the expiratio of three (3) years from the decisio o your claim by the Isurer. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 2. Ay amout payable to a mior will be paid to the mior s legal ward. 16